It is a CCJ its on my credit file etc The CCJ was quite a while back probably 2014 the court just ordered in their favour and I set up an arrangement with first stop which swapped other to tm legal so the court never told me what to pay

Hi I have a ccj with 1st stop and tm legal are dealing with the ccj I had a payment plan in place for about £40 a month however I have now been on long term sick and only getting ssp so I ha e ignored their phone calls but responded to their emails asking me to contact them. I have sent a number of emails offering £10 a month but everytime they just respond telling me I need to call the office. I do not want to call the office but they say if I dont they will send it to the court for AOE or Bailiffs. What can I do as I am off work with servere anxiety as it is and these clowns are making me 100 times worse Thabks in advance

Thanks. I just don't understand the problem as kids are going to make noise and it's during the day not unreasonable hours. I think the worst part is they don't live there it is just their holiday home. Maybe they want me to keep the kids locked away all holidays. Clearly their motto is "Children should be seen but not heard" lol

My kids she is complaining about.

Hi Not sure if posted in right place however I need some advice. We have a problem we a person who lives behind our garden. She keeps shouting at the children telling them to be quite whilst they are playing. She keeps telling them she is going to phone the police and have them sort us out. The noise is only normal 6 and 2 year old playing noise and is only ever between 10am and 6pm the latest. Has she any ground to call the police and take legal action. This is really worrying me as I already suffer from anxiety and this is the kinda thing that kicks it off. Thanks in advance

Thank you to both of you. You have !Ade me feel a lot better with the advice. Thank you

Hi Fkofilee Thanks for the reply. No sign of this on my credit files. If this comes back from another dca do I just carry on requesting info on this. Thanks

Hi I have had some emails from CRS regarding a debt which was with lifeboat loans but now owned by starline capital limited as they bought the loan book from lifeboat loans when they went into liquidation. The email I have had from CRS informing me of the amount I owe is the first communication of any kind regarding this since taken the loan out several years ago. CRS were chasing £1200 pounds. I spoke to CRS a month ago to dispute this amount as the original loan was for £300 pounds I think asked CRS for the default notice as I have never had one and also a statement of account and a true copy of the terms of conditions. today I call CRS to find that they are no longer going to deal with the account due to the dispute. So I am guessing that CRS have had no response to my request and have given up or know there is proof. What can I do going forward as I cannot find any details of starline capital limited and CRS say all their communication is done via an electronic system and have no contact details for them and suggested I google search them. Any help would be appreciated as I want to dispute this amount and get them off my back.

I have spoken to my new employer but they need me to start on the date they have asked if not they will offer the position to someone else, and i don't want to lose this job as it is a job i have been trying to get into for a long time and is going to be better for my health too

Hi I have only been getting ssp no pay from them while i am off, I will phone our HR tomorrow and see what i can agree with them

Hi I have been off work due to stress etc for about a month now and in that time i have been looking for another job nearer to home more suited to what i am used to doing, I have just been offered a job but the new employer wants me to start in about a weeks time, and my currant job requires me to give 1 months notice. I was wondering if anyone could give me some advise on the following questions What will happen if i just leave my currant job to start he new one? Could i speak to HR to see if they would accept an immediate termination as i have been off for over a month? I am off to the docs again tomoz for a follow up and i have spoken to my new employer regarding the issues being presented by my currant employer and they said not to worry about ref from them as i have been upfront with them from the start! Any help would be appreciated

Hi Chrismk Thanks i will have a look now and follow Please keep me updated with how you get on.

Is there a letter template to use for the cpr request, i have found a cca one but not the other one, Thanks

No not yet, I will get that sorted today and send it out recorded delivery. Do I need to put in a fee for those requests? Thanks

Sorry i have acknowledged it, I was supposed to put log in not acknowledge, As Andy said to keep an eye on the defence due date, so was trying to check that. also while i think of it do i need to sar or anything 1st stop as i have no paperwork from them what so ever regarding the original loan etc

Thanks for the replies guys, I will keep an eye on it, I could not acknowledge though as mcol keeps saying incorrect claim id or password so i am going to have to ring them tomorrow to try and get that sorted.

Hi thanks for the reply I have done this what do I need to do next thanks

This made me laugh as i got the exact same letter yesterday for a O2 phone taken out around the same time, Lowell must be buying the SB stuff in the hope someone will pay out of panic or the thought of a good deal

Not yet i need to do that now. Thanks

1ST Stop Payday Loans Date of issue – 14th July 2014 What is the claim for – 1st stop payday loans ltd - agreed to lend the defendant #300.00 on 15th october 2013. The defendant agreed to repay the instalment loan over a 6 month period. The defendant has failed to meet the repayment of the loan despite many attempts to resolve this. What is the value of the claim? £1400 inc court costs of £70 (amount has been rounded) Is the claim for a current or credit/loan account or mobile phone account? Instalment loan When did you enter into the original agreement before or after 2007? After 2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Original Creditor Were you aware the account had been assigned – did you receive a Notice of Assignment? N/A Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Yes Why did you cease payments:- I had a payday loan with these i could not afford to pay off and was rolling over and hit max amount of roll-overs - so they gave me an instalment loan with higher unaffordable payments to clear the payday loan debt Was there a dispute with the original creditor that remains unresolved? NO Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? I attempted to by phone but was not helped basicly called a liar I did speak to these on the phone a few times to advise i was not in a postion to pay off the instalments and looked for a better repayment plan i could afford was bullied into agreeing payments i could not make hence no payments being made and my head being buried in the sand. I sent numerous letters that they say they never received. 1st stop never used a debt collection agency to try and get payment and have gone straight to the court is this allowed? Can anyone help, I am running out of time???

Thank you

Hi Today I have received court papers from Northampton regarding a loan I had with 1st stop. The loan started off as a payday loan for 300 pounds which I had to keep rolling over as my circumstances changed and I rolled over to the max times where they then offered me a 500 pound installment loan to pay off the payday loan and give me some money which didn't help at all as the interest was higher so I defaulted on that too and sent many a letter to them with no response also I spoke to them on the phone and was virtually bullied and called a liar so I hung up and left it there. The pocs are as follows - agreed to the lend the defendant 300.00 on the 15th October 2013. The defendant agreed to repay the instalment loan over a 6 month period, the defendant has failed to meet the repayment of the loan despite many attempts to resolves this. Now I have written to them though they deny ever receiving anything and also the pocs are wrong as the loan amount in the end was 500 not 300 as the original payday loan was. Also I fail to see how they have come up with the amount owed which is showing as over 1300 now please can someone advise me what to do with this so I can reply to the court please Thanks in advance

Hi I just recieved the following the rather strong email from anti fraud and was just wondering the possabilities of any of the following happening Them taking my to court Them turning up to my house I know these a obviously a joke of a company due to the figures they have worked out like the remaining balance being 123.456789 and the fact they tell lies IE its been registered as a default on my credit file which is lies as nothing on any file lol Also i have now paid ten pounds over the original loan amount but they want over another £100 do i repay it all to them or not?? Dear XXXXXX We are writing to give you formal notice that Convers money - Convers Money Loan legally engaged Marshall Hoares Bailiffs to recover the above debt. YOU WILL HAVE OR WILL SHORTLY RECEIVE A HOME VISIT We will pursue you fully for all outstanding sums (GBP xxx.xxxxxxx) including any fees we incur collecting this debt as per the terms and conditions of the contract you signed. Payment in full must be received within 4 days. DO NOT IGNORE OR THIS WILL COST YOU MORE Debt GBP xxx term fee GBP xxx.xx Closing Amount Discount GBP x.xxxxxx Repayments todate GBP xxx Total GBP xxx.xxxxxxx TAKE NOTICE: You should accept this letter as formal notification that unless payment is received within 4 days then your account will be fast-tracked and considered for the following: Consequences of inaction: 1. Court Action legal action may be started in the County Court (or Sheriff Court if you are in Scotland) for recovery of the full amount outstanding. Any such proceedings will include additional claims for legal costs and interest which will increase the amount you will be required to pay. 2. Warrant of Execution or its Scottish equivalent will be applied if we successfully obtain a County Court Judgment or Scottish Decree for to enable us to seize goods at your addresses and/or an attachment of your earnings. 3. Register of Judgements any judgement will be entered in a public register, the Register of Judgements, Orders and Fines Credit Reference Agencies, who will supply them to credit grantors and others seeking information on you financial reputation. This will make it very difficult for you to get credit. 4. Credit reference Convers money have already advised the Credit Reference Agencies of your Default. This may seriously affect your ability to obtain credit in the future. Once the balance is paid in full, only then will the default be shown as "Default Satisfied". To AVOID A HOME VISIT or further action you should PAY IMMEDIATELY 1. online using a card by visiting: www.marshallhoares.com OR 2. at bank either over the counter at the bank or by electronic transfer to: Barclays Bank Account Number: 93462382 Sort Code: 20-50-94 Reference: Use your mobile number (xxxxxxxxxxxxxx) as a reference This debt will not go away and should not be ignored You can contact us on 08433811111 to discuss your outstanding debt. Yours faithfully Anti - Fraud Marshall Hoares Bailiffs Telephone: 0843 381 1111 The content of this email should not be considered as an acceptance of any offer unless we previously review and expressly approve in writing your terms and conditions relating to the subject matter of this email. The information in this email is private and confidential. If you are not the intended recipient(s) or have otherwise received this email in error, please delete the email and inform the sender as soon as possible. This email may not be disclosed, used or copied by anyone other than the intended recipient(s). Any opinions, st atements or comments contained in this email are not necessarily those of Marshall Hoares Bailiffs Limited. If you wish clarification of any matter, please request confirmation in writing. Marshall Hoares Bailiffs Limited is a company registered in England and Wales whose registered address is Marshall Hoares Bailiffs Limited, 15 Lyndhurst Terrace, London, NW3 5QA, United Kingdom. Company registration number 06871092. Marshall Hoares Bailiffs Limited is licensed by the Office of Fair Trading under Consumer Credit Licence number 631168. We take precautions to minimise the risk of this email containing a software virus but you should use virus checking software.

Yes i did defend but the court claimed it needs to stop people borrowing outside there means and can use this as example or something along these lines

I have been taken to court by a pdl and they won so they do push through on it now, once one pdl company wins a case they all will try thats the problem